Executive Director, Credit Card Products

Job ID: 42415

Location: Singapore, SG

Area of interest: Retail Banking

Job type: Regular Employee

Work style: Office Working

Opening date: 22 Oct 2025

**JOB SUMMARY**

**1. Continuous development and refinement of Credit Card Product**:

- Pricing and benefits adjustment for existing non-affluent products used in countries to support WRB’s Employee Banking and Emerging Affluent agendas..
- Activities related to the migration of back-book from legacy propositions to the latest product chassis including the revamp of existing proposition to ensure its continuous competitiveness and alignment to return goals.
- This includes working with country teams and one delivery on ensuring efficient changes deployment (features changes, customer communications, analytical framework, partner payout adjustment)
- Ownership of Credit Cards Rewards, including negotiations with redemption partners, oversight of the rewards provisioning process.
- Driving end to end product development (including customer research, competitive benchmarking, financial modelling and stress scenarios, technology build and certification etc) involving extensive collaboration and steer with the country stakeholders to ensure aligned and smooth execution

**2. This role is pivotal in managing our relationships with Mastercard and Visa**:

- Negotiating global and country-exclusive Incentive deals.
- Ensuring we maximize the realization of contract value under existing agreements.
- Ownership of monthly accruals process on behalf of the countries.
- Establishing guardrails for gross scheme fees.

**RESPONSIBILITIES**
**Strategy**
Defining and executing Credit Card product strategy, managing both the shelf as well as back-books
Defining strategic engagement for partnership with Mastercard and Visa globally**Business**
- Supports execution by engaging with analytics and finance teams for modelling, operations teams and third parties for fulfilment, one delivery team for tech / experience changes.
- Works with one delivery team / tech teams to deliver improvement to customer digital journeys including new to bank bookings and X-sell.
- Market monitoring to ensure product competitiveness as well as early identification of opportunities and threats.

**Processes**
- Liaises with finance to process the scheme incentive accruals, engages with schemes and operations teams for market-specific features and functionalities.
- Supports campaign criteria creation, SBIM team engagement, database validation.
- Leads implementation of initiatives funded through the schemes value-in-kind budgets.

**People & Talent**
- Leads by example, sets appropriate tone & expectations from teams (incl. cross-functional stakeholders in markets), and works with partners’ alliance/support. Ability to collaborate cross geographies, functions, and levels. Respects differences in cultures & opinions to promote an inclusive environment where all can drive towards common goal.

**Risk Management**
- Risk analysis incl. direct engagement with 2LOD to arrive at recommendations on optimal Risk Management decisions.

**Governance**
- Supports implementation of key policies, standards, regulations and scheme mandates
- Ensure all processes are carried out efficiently and are fully compliant to internal and external compliance/ regulatory requirements.

**Regulatory & Business Conduct**
- Display exemplary conduct and live by the Group’s Values and Code of Conduct.
- Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
- Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

**Key Stakeholders**
- Country teams (Credit Card & Affluent Segment)
- Group CCPL Team
- Group Segment Team
- Tech chains with One Delivery
- All LoDs - BRM, OR, Credit Risk, CFCC, GIA
- Card Schemes
- Operations, Fraud and Collections teams
- Finance
- Retail Analytics and Analytics COE

**Other Responsibilities**
Embed Here for good and Group’s brand and values in CCPL Business. Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures;- 10 + years of experience in Credit Card Products
- Academic Degree (preferably in Banking & Finance)

**Role Specific Technical Competencies**
- Analytics and solid numerical skills
- Interpersonal, communication, negotiating and influencing skills
- Change management, knowledge of bank’s systems and platforms
- Understand Risk Frameworks
- Understanding CC and WRB financial model
- Understanding Card Scheme - Issuer commercials

**About Standard Chartered**
- We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communi